What is accidental damage cover for home insurance?

A typical home or contents insurance policy can help you pay for repair or replacement following loss or damage caused by events like storms, fires or theft. 

But when accidents like spills, hard knocks or drops happen, Accidental Damage at Home can help you.

For an additional premium you can add Accidental Damage at Home as an optional cover for AAMI Home & Contents, Contents only and Building only Insurance.

What’s covered as accidental loss or damage? 

Some examples of accidental loss or damage are below.

For buildings

• You damage a wall when you move the couch to make way for the vacuum cleaner.
• Someone slips on the roof while cleaning the gutters, causing damage to roof tiles and the gutter itself.
• You try to hang a new art piece and accidentally take out a chunk of plaster.

For contents

• You’re playing the tennis match of your life on a game console when the remote control slips and cracks the TV screen.
• Your kids draw in permanent marker all over the couch, entertainment unit and carpet.
• You lose your wedding ring down the drain.
• You have bub in one hand and a laptop in the other, when the laptop slips and the screen shatters. 

Explore Home & Contents Insurance

What’s not covered as accidental loss or damage?

Here are some examples of what is not considered accidental loss or damage for building and contents. For more details, read the Product Disclosure Statement (PDS).

For building

• Went DYI on that door installation and ended with a misaligned door? Defective workmanship is not considered accidental damage.
• Water accumulation due to faulty drainage design.
• Issues with inadequate waterproofing of bathrooms.

For contents

• Wear and tear of your couch or other furniture.
• The gradual deterioration of items, such as your coffee machine, that occurs with age.
• Deliberate or reckless acts of breakage.

Is it worth getting cover for accidental damage?

Accidents happen no matter how careful we are. And fixing accidental damage can come with a hefty price tag. When considering your premium, it’s worth weighing up the likelihood of mishaps against the value of your home and its contents.

If you have AAMI Home and/or Contents Insurance, consider upgrading your policy to include optional cover for Accidental Damage at Home.

Add Accidental Damage at Home to my policy

Does accidental damage insurance cover my contents if I take them outside of my home?

AAMI’s Accidental Damage at Home only covers you for accidents that happen within your insured address.

To keep your valuables covered wherever you go, consider Portable Valuables Cover. This is an extra optional cover you can add to your Home & Contents or Contents Only Insurance for things you’re likely to take outside your home – such as your mobile phone or laptop.

How to add accidental damage cover to your policy

You can add AAMI’s optional Accidental Damage cover to your existing policy if you have AAMI Home & Contents, Contents only or Building only Insurance.

If you want to add it to your policy, we recommend you start by getting a quote. If you’re already an AAMI customer, log in to My Account to add Accidental Damage at Home cover. It’s also a good idea to read the Product Disclosure Statement (PDS) to understand exclusions and limitations.

How to make an accidental damage cover claim?

Have an AAMI Home Insurance policy and need to make a claim? Easily lodge your claim online or through the AAMI App. Simplify your claim process in three simple steps:

1. Check your coverage. Understanding what your policy covers can help you understand what you can claim for.
2. Take photos of your damaged property or belongings.
3. Gather supporting documents

Make a claim

Read more:

• What can be included in Home and Contents Insurance?
• Does home and contents insurance cover my mobile phone?
• Are outdoor living areas covered by home insurance?

Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. Target Market Determination also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply.

The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.